HARPLike so many others, I have been burdened by the incredible decrease in property value in my neighborhood by so many foreclosures. I have tried to refinance under HARP with my current lender GMAC and also Quicken. My loan is owned by Freddie since 2007, my last refi was in 2006, never been deliquent, current rate is 3.25% over the current 30 year fixed, great credit, no PMI etc.GMAC told me that because of the way my loan was "packaged and sold" to Freddie it makes me ineligible (still waiting for a call back to explain this) The other lender Quicken told me that my LTV, currently between 140 - 144% is 6% higher than where they feel comfortable although 2 other members of Qucken have called my cell and left messages stating that there have been some incredible moves in the market and they believe that can get me qualified under "one of these new and exciting programs".... So, I meet the criteria on paper but it appears that lenders are looking for ways to avoid assisting me. I cleary am a canidate and I believe I meet the criteria. Great credit, high LTV, Freddie owns my mortgage etc. Does anyone have any advice on where to look/go to make this happen?Thank you!July 30 2012 - Elgin0YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.